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It is very difficult to put away £500 to £600 a month when you have a young family

FOR anyone with a child in private education, the start of a new term is a sharp reminder of the price of schooling. The average annual cost of sending a child to an independent school is now about £9,000. Figures from the Independent Schools Council show that to educate a child from prep school to university can cost £300,000, so even if you have only just returned from the maternity ward, if you wish to educate your child privately, you need to start saving straight away.

Fees will continue to rise, though not at last year’s rate of between 9